507 S Garfield St, Philo, IL 61864 Property Records

Champaign County property record for 507 S Garfield St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.622 acres (27,097 sqft)
Owner	2 Individual Names on Record
Last Sale	$6,000 (Mar 2022)
Tax Bill	$2,840 (2024)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-330-008`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-330-008`

Exterior

Lot Area	27,097 sqft (0.622 acres)

Location & Zoning

Street Address	507 S GARFIELD ST
City	PHILO
State	IL
Zip	61864-9753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 KNOLLS ADD
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	KNOLLS ADD
Legal Lot Number	7
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1038
Census Tract	10901

Owner

Source: Champaign County records, as of April 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	507 S GARFIELD ST, PHILO, IL 61864-9753
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2023	Deed of Trust, Mortgage · Closed-End Mortgage THE GIFFORD STATE BANK
Mar 1, 2022	Warranty Deed, Transfer · Closed-End Mortgage THE GIFFORD STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2022 · Amount on Record
Deed Sale	Mar 1, 2022 · Amount on Record
Deed Document Number	20223862
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	507 S GARFIELD ST, PHILO, IL 61864-9753
Transaction Type	Mortgage
Record Updated	Mar 17, 2023
Title Company	NOT AVAILABLE, ACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 S GARFIELD ST, PHILO, IL 61864-9753

Mortgage

Document Number	0000002817
Date	Mar 9, 2023
Instrument	2023R02817

Lender

Name	THE GIFFORD STATE BANK
Type	Bank
Address	GIFFORD, IL 61847

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 27, 2028

Interest

Rate	6%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Mar 1, 2022
Property Address	507 S GARFIELD ST, PHILO, IL 61864-9753
Document Number	0000003862
Map Reference	DOC 551180 MB L PG 7
Instrument Date	Feb 23, 2022
Instrument	2022R03862
Transaction Type	Transfer
Record Updated	Mar 16, 2022
Title Company	ALAMO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	507 S GARFIELD ST, PHILO, IL 61864-9753

Mortgage

Document Number	0000003863
Date	Mar 1, 2022
Instrument	2022R03863

Lender

Name	THE GIFFORD STATE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 25, 2037

Interest

Rate	3.87%

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Philo Township
Municipality	Philo Village
Unified School District	Tolono Community Unit School District 7 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$57,530 (+25.01%) Land $11,730 Building $45,800	$172,590 (+25.01%) Land $35,190 Building $137,400
2024	$2,840.00 (+11.72%)
2022	$2,542.00 Homeowner's exemption	$46,020 Land $9,380 Building $36,640	$138,060 Land $28,140 Building $109,920

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 14, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	AQUA ILLINOIS-PHILO private · serves 1,378 people · EPA ID IL0190600
Water Source	Purchased groundwater from IL AMERICAN-CHAMPAIGN
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
MF Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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